Bogleheads.org

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In fact, a large piece of the premium paid for a policy goes to fund the legwork required to thoroughly research the property's title. Yeah, no. First, title isn’t usually run from sovereignty, despite what they may claim or want you to believe. Most people just run it from wherever the root of tit...

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The COVID-19 relief law makes special considerations for people approved to receive or receiving unemployment compensation at any point in 2021. In the quote above "receiving unemployment compensation" is easy to understand. But does anyone know how to interpret the term "approved to...

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I’m considering running for an open spot on the neighborhood HOA board. I have no board experience and am relatively new to the neighborhood and so I may not win, but regardless, I figure it might be worth a shot. The board is still controlled by the developer and no one seems to have any official t...

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Interesting. This presents an opportunity for folks. Someone build an app that allows folks from Nashville (St. Louis, Chicago, Austin, etc) to hook up with folks from San Fran (LA, San Diego, etc) and share a local U-Haul rental. For example, NashvilleToSanFran person rents U-Haul in Nashville for...

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Don't buy a product in bulk unless you have tried it previously. A year ago, when the pandemic was just beginning, and the shelves were bare, I was at Target and grabbed a 24-pack of a new (to me) brand of toilet paper. I didn't like it, and it took me most to the rest of 2020 to use it all up. Goo...

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Best to treat as disposable.

We just buy a 10” Calaphon (sp?) from Target for around $20 and replace it every few years.

But I will say that the last one we bought in 2019 shows no scratches or loss of non-stickage yet.

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The only bill I have that can’t be on autopay is sewer, due solely to the utility’s oddball rules.

Because each month’s bill is the same for a year, I just pay it all in advance for 12 months with one check.

So look into just prepaying stuff too.

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The Banker, on Apple TV In the 1960s, two entrepreneurs hatch an ingenious business plan to fight for housing integration-and equal access to the American Dream. Stars Samuel L Jackson and Anthony Mackie. I liked it. Highlights the underlying (or perhaps overt) racism in America in a thought provoki...

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Inflation is going to be interesting to watch. I kinda feel like it’s already happening in some areas such as housing. It isn’t just in housing. Food prices are definitely increasing. Precooked bacon, 72 pack, at Sam’s Club has gone from $10-$11 a pack to $14. Pork in general is getting more expens...

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The unemployment subsidy benefit hasn’t gone into effect yet. As I recall, it won’t be inputted into the ACA marketplace calculator until summer, perhaps mid-summer. Don’t quite remember where I read that, but I’ll see if I can dig it up. ETA: See here: https://www.healthcare.gov/more-savings/ I, to...

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IMO, it is foolish for one to wait to the last second to transact for an important planned money event. Any time I've had something really important, I had the $ in hand at our local bank well before the needed date, or confirmed at the brokerage before before that buy. There are many whaaaa-whaaaa...

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I do think the AppleTV provides a far better experience if you are even moderately invested in Apple (ie. if you have an iPhone). The UI is light years better. Not really on point, but the Apple TV app through Roku seems awfully buggy to me. I only have access to Apple TV as part of their 1 year fr...

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Since I follow appropriate asset allocation for liability matching, my house down payment money is in my savings account, not my brokerage. You know that a brokerage account can have cash in it, right? ETA: Also, the whole “plan better” argument is a weak one, as it puts the burden on the consumer ...

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I quite literally cannot think of any reason why I would truly need to log in to Vanguard, and couldn't just go back on the next day. I would assume this also applies to most passive investors who are truly following the Bogleheads' strategy. Here are a few reasons why someone might need to have ac...

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I wouldn't know. This isn't one of the ten or so days each year when I need to access my Vanguard account. I use the word "need" very loosely too. Nothing I couldn't do tomorrow. Benefits of the passive strategy. That is quite an unhelpful response. It smacks of a “if it doesn’t affect me...

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Those Expats that really enjoyed and did well on assignment were those interested in learning a new culture and way of life. If you are very open to new experiences and cultures an Expat assignment is a lot of fun. I took an assignment in Singapore and really enjoyed it. At my former employer, at l...

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BigLaw Survivor wrote: ↑Mon Mar 29, 2021 6:16 pm I feel pretty good about where I am.

Well, ultimately, isn’t that all that really matters?

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See this thread:

viewtopic.php?f=2&t=335396

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I will add that immigrating at my age with a large asset base seems to be fraught with many potential pitfalls for me, tax wise. You might have that experience as well. Slightly off-topic, but the tax issues involved with relocating to Canada when one has a decent amount of assets is the primary re...

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PP. I hear what you're saying. I truly do. It's just that my strategy so far -- buy and hold, and don't overspend -- has served me very well for decades and I'm loathe to change it now. Not to mention that right now we have $400,000 in cash, which is two years' living expenses for us. $200k/yr is n...

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Evicted: Poverty and Profit in the American City by Matthew Desmond A great corrective to getting me out of my upper middle class bubble. Evicted by Matthew Desmond. Follows eight family's in Milwaukee ( think Kenosha) Poverty and profit in Wisconsin Just finished this book, after picking it up at ...

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Tehran, on AppleTV.

It is basically an Arabic Bourne movie, in 8 parts.

Only through the fourth episode, but I like it so far.

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I’d register the car in Hawaii just to be able to have a Hawaii license plate to display on my garage wall someday.

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Very helpful. Thanks.

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Flashes1 wrote: ↑Thu Mar 25, 2021 12:33 pm
There's sick money out there. My wife and I are looking right now for a rental on Hilton Head in July. What used to rent for $4,000/week is now $7,000/week.

I wonder how much of the increase is just an attempt by the lessor to get some of the potential tenants’ stimulus money.

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Some of the most popular posts here are full of outliers and should not be used to assess the average, median or mode of family finances. I take it as quite a few "humble bragging" about their $350k silicon valley salaries with $200k RSUs and buying $2million homes with $1.5 million netwo...

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I don’t hold a higher auto limit than required by the umbrella as my understanding is that any excess auto coverage isn’t additive to the total covered by the auto/umbrella. For example, if the required auto limit was $300k and my umbrella limit is $1 million, increasing my auto limit to $500k does...

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Curious if there are standard recommendations for what one’s car insurance bodily injury and property damage limits should be. For bodily injury, I have been at $500k for each person and $1M for each accident, and $300k for property damage. I also have a $1M umbrella policy. Have been with Amica pre...

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American Rescue Plan Act of 2021 is eliminating the “subsidy cliff.” Under the original law, if your MAGI exceeds 400% of the FPL, you lose premium subsidies completely. Earning a single dollar of additional income at the 400%-of-FPL threshold could result in paying thousands of dollars in addition...

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It also seems, based on what I’ve read here and elsewhere, that if you are on unemployment at all during 2021, your health insurance premium through the Marketplace could be zero, regardless of what your income is. That seems almost too good to be true, but the Kaiser Family calculator sure makes it...

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JBTX wrote: ↑Tue Mar 23, 2021 6:30 pm
unemployment comp not taxable if under $150k

To be clear, I think that only $10,200 of unemployment is not taxable, not all of it (if you receive more than $10,200).

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https://www.kff.org/health-reform/issue-brief/impact-of-key-provisions-of-the-american-rescue-plan-act-of-2021-covid-19-relief-on-marketplace-premiums/ Below are from middle of the above article. People Receiving Unemployment Insurance The COVID-19 relief law makes special considerations for people...

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What is insanity to me is that a Real ID issued by one state does not automatically transfer to another state. I get that one should have to prove residency to get a Real ID driver’s license from a particular state. But to have to prove citizenship again is just ridiculous. It is either a money grab...

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I can’t resist: Well I've heard it said that you can get some heat in Irish pubs Servin' Jamesons to an Orangeman and Bushmills to his cuz Well here's what you do with Tullamore Dew, you can meet 'em both halfway It's time to switch to whiskey they've been drinkin' beer all day Corb Lund: Time to Sw...

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mlipps wrote: ↑Tue Mar 16, 2021 7:20 pm
I grew up in rural Ohio in an area with mediocre schools but jaw droppingly low property taxes. You get what you pay for after all.

Do some cities/counties in Ohio still levy an income tax?

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The District of Columbia posts an annual "Tax Rates and Tax Burdens: A Nationwide Comparison". The study from the Office of the Chief Financial Officer lags about a year. The latest 2018 study can be viewed at the link below: https://cfo.dc.gov/node/1470246 It compares tax rates & bur...

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Thank you.

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You could pay the entire year in the first quarter if you wanted. A bit of a follow-up question: Just to learn how estimated taxes work and all, I’m planning on paying $1,000 by April 15, 2021, using the EFTPS system, as estimated taxes for all of 2021. How does the IRS know that the $1,000 payment...

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I’ll probably subscribe to the Economist when Indonesia is no longer at a crossroads.

Which is to say, the Economist tends to repeat itself.

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I hate the idea of maintaining a "home base" just for this. Your home base could be pretty inexpensive. With essentially unlimited options on where “home” is, you don’t need a $2k a month apartment. Might be worth looking at college towns where apartments are plentiful and usually not too...

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I think that even an ACA plan covers you out-of-network for emergency care. So, if that is the case, then maybe you’d just have to return “home” to handle routine medical visits? Not sure how that works with toddlers though. Regarding your stuff, I think that you will end up wanting a home base to r...

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Seems like this thread would be another good time to insert a Corb Lund reference: https://www.youtube.com/watch?v=2Yb3dRyLMB8 Note that the resulting situation could have been avoided with some life insurance, made payable to the daughter, equal to the value of the ranch, but I guess that doesn’t m...

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A relative of mine, whose day job was an attorney, bought into an avocado farm.

A few months into it, the farm caught on fire and most of the trees were ruined.

I think he ended up doing okay with the insurance payout.

He never got into the avocado business again.

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I seriously doubt wills ever become public records. DW and I have new wills written a few months ago after we moved to TX. Wills that are filed as part of the probate process in Texas almost always become public record, as the probate process itself is almost always public record. Alternatively, th...

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TurboTax and TaxAct implement the foreign tax credit carryover statement in the interview. TaxSlayer and TaxHawk do not, but they let you type in your own carryover statement. H&R Block cannot attach a carryover statement, and Credit Karma cannot fill out form 1116. Free File Fillable Forms can...

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Guess that is incorrect? I believe that's referring to attaching a document you created, while the Foreign Tax Credit Carryover Statement I had was something TT generated. It appears it can generate the statement from information you enter or, if you've used TT in prior years, from the information ...

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I used TurboTax for 2019 taxes and it appeared to include a "Foreign Tax Credit Carryover Statement" which listed carryovers and some other data from prior years. Is that what you are looking for? Yes, I think so. Although, based on this response from the TurboTax community, I gathered th...

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Does anyone know of any federal e-file program (preferably free) that allows the filer to attach or include statements with their tax return? I ask because I have some foreign tax carryovers and, on Form 1116, I have to “attach detailed computation” (essentially, a statement) showing my carryovers. ...

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When next year rolls around, take a look at FreeTaxUSA. You don’t have to pay anything unless you file a state return. There are other free file software available which support both federal and state returns free. Available here https://apps.irs.gov/app/freeFile/ FreeTaxUSA may not be the best opt...

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Does Free Tax USA allow you to include/attach statements?

Specifically, a statement showing one’s foreign tax carryovers?

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